Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, & bank accounts for quick money transfers online. BHIM is developed by the National Payment Corporation of India (NPCI) as a part of the Digital India initiative. BHIM is made in India and dedicated to the service of the nation.

How does it work?Register your bank account with BHIM, & set a UPI PIN for the bank account. Your mobile number is your Payment Address, & you can simply start transacting. Yes! It is that simple.

How to Transfer Money Online? Make Cashless Payments or receive money from friends, family and customers through a mobile number or payment address. Instant Money Transfer can also be made to an unregistered user using Mobile number, Account number +IFSC and Aadhaar Number. You can also collect money by sending a request and reverse payments instantly if required.

Check Balance:You can check your bank balance and transactions details on the go.

Note: If you have accounts in the following five associate banks SBH, SBBJ, SBM, SBP & SBT please choose SBI from the list of banks as they have merged with SBI.

Requirements:Before you register on the app, please ensure the following:• You have a valid Debit Card for your account• You have linked your Mobile Number with your Account• Your registered mobile no. is present in the same device as the BHIM app• You have registered your account for Internet/Mobile Banking

Reviews

4.1

269,277 total

5 173,074

4 35,217

3 16,532

2 10,785

1 33,669

Aditi Hayet

Download "ONEAD" app Please Join Refferal 111KQ For 300 rs Bonus Very good app for join 111KQ or 111KQ Refer of Sponsore enter 111KQ or 111KQ apps enter id 111KQ or 111KQ ALSO Download "MAHAKAL WALLET" App Good appss Invite plz id FD4FEF39 for 300 rs bonus FD4FEF39 Its really Good application you can discover new applications FD4FEF39 The app works so good so far. Haven't tried to cash out yet and guess that will be the real test. Refer me and we both get coinsto get more prizes FD4FEF39 Great app easy to use making cash is slow but much better than other similar apps that i have tried

Aashish Pouranik

Great app for money transfer easily. Loved the concept of our Loving Prime Minister Shri Narendra Modi Ji to make India Cashless... It's not possible to make India pure cashless in rural areas but we are trying to do it as possible as we can.... Appreciable Step.... Love you Modi Ji.... One more thing to say that please add features like PhonePe app, so we can pay for dth, cellular recharge and other payments. Please look after this.

Mintu Singh

I realy love this app, make so many transaction. I have 2 advice for developers... 1) Why you guys not add Mobile and DTH recharge features like Axis Pay upi app....also Mobile, Bill Pay and DTH recharge help to make BHIM more popular like Paytm. 2) Add Multipal Bank A/C features like other upi app Induspay and Axis pay etc., its help to manage balance and transaction easy.

Vivekanand Gupta

This app has reduced the need of registering payee & has made payments very simple. I'm glad that many e-commerce website are also using this for payment. However it is not popular among merchants & service provider. In this paytm is ahead even though it charges a premium to transfer funds to bank account. I hope bhim is updated to be merchant friendly.

ANUP MITTAL

Application is good. However, there is a basic need to make it more successful. If there can be a secondary app to receive transaction alerts on alternate mobile, it will help adopt this application more. In most cases merchants have employees or relatives to temporarily handle their shop/business. But merchants can not give their mobile to them. Alternate mobile alert feature will help them accept payment even if merchants are not present and employees/relatives can accept UPI payments and verify payments receipt by receiving alert on secondary mobile. Please consider this enhancement for bettment of my country.

Rajesh Landa

Better not to use this app. Payments are not in real time. Deducting money. Crediting after 1 week or some other times. If the money is credited back to our account we would be happy, but what if money credited in to other account. Again we have call him and ask him again. Checking transaction details, mini statement everything it takes a lot pressure while doing this. So do online transactions and stay happy. Don't go for BHIM. It's my bitter experience.

User reviews

Aditi Hayet September 26, 2017

Download "ONEAD" app Please Join Refferal 111KQ For 300 rs Bonus Very good app for join 111KQ or 111KQ Refer of Sponsore enter 111KQ or 111KQ apps enter id 111KQ or 111KQ ALSO Download "MAHAKAL WALLET" App Good appss Invite plz id FD4FEF39 for 300 rs bonus FD4FEF39 Its really Good application you can discover new applications FD4FEF39 The app works so good so far. Haven't tried to cash out yet and guess that will be the real test. Refer me and we both get coinsto get more prizes FD4FEF39 Great app easy to use making cash is slow but much better than other similar apps that i have tried

Great app for money transfer easily. Loved the concept of our Loving Prime Minister Shri Narendra Modi Ji to make India Cashless... It's not possible to make India pure cashless in rural areas but we are trying to do it as possible as we can.... Appreciable Step.... Love you Modi Ji.... One more thing to say that please add features like PhonePe app, so we can pay for dth, cellular recharge and other payments. Please look after this.

Thank you for rating the BHIM App! We would love to hear more from you on what you liked about the app and if we can better it any way. We appreciate the feedback, always. Do let your friends and family know they can try the app too! :) Warm Regards, Team BHIM.

Mintu Singh September 2, 2017

I realy love this app, make so many transaction. I have 2 advice for developers... 1) Why you guys not add Mobile and DTH recharge features like Axis Pay upi app....also Mobile, Bill Pay and DTH recharge help to make BHIM more popular like Paytm. 2) Add Multipal Bank A/C features like other upi app Induspay and Axis pay etc., its help to manage balance and transaction easy.

Hi, BHIM supports linking of multiple accounts. You can link your preferred bank account as the default account. You can link other accounts with the same mobile number to the app & make it your default account. Any money that is transferred using your mobile number will be credited into your default account. Warm Regards, Team BHIM.

Vivekanand Gupta September 19, 2017

This app has reduced the need of registering payee & has made payments very simple. I'm glad that many e-commerce website are also using this for payment. However it is not popular among merchants & service provider. In this paytm is ahead even though it charges a premium to transfer funds to bank account. I hope bhim is updated to be merchant friendly.

Application is good. However, there is a basic need to make it more successful. If there can be a secondary app to receive transaction alerts on alternate mobile, it will help adopt this application more. In most cases merchants have employees or relatives to temporarily handle their shop/business. But merchants can not give their mobile to them. Alternate mobile alert feature will help them accept payment even if merchants are not present and employees/relatives can accept UPI payments and verify payments receipt by receiving alert on secondary mobile. Please consider this enhancement for bettment of my country.

Hi, we are delighted to read your detailed feedback on the BHIM App. We're glad you liked the features you mentioned, and we've taken your suggestions for the app into account already. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful, do recommend the app! Warm Regards, Team BHIM.

Rajesh Landa September 8, 2017

Better not to use this app. Payments are not in real time. Deducting money. Crediting after 1 week or some other times. If the money is credited back to our account we would be happy, but what if money credited in to other account. Again we have call him and ask him again. Checking transaction details, mini statement everything it takes a lot pressure while doing this. So do online transactions and stay happy. Don't go for BHIM. It's my bitter experience.

Hi, we are sorry to hear that you've had an unfavorable experience with the app.
Please send us the following transaction details:
Name
Issue faced
Date & Time of the transaction
RRN NO.
Payer bank
Payee bank
Registered mobile number
Amount
at https://bit.ly/contactBHIM so that we can help you.
Warm Regards, Team BHIM.

September 7, 2017

More problem after updating, the app was not opening for a long time after updating it. So I reinstalled the app, but henceforth I could not activate the app; my bank-registered mobile no is inserted in another phone which I can not shift. In the previous version of bhim, the verification SMS could be sent from that phone and the app was activated and properly working; but in the updated version, it is not possible to do so. So from now, I can not use this app. Please improve your app if you are serious about enhancing digital transaction in country and make an arrangement if the bank-registered sim is inserted in another phone

Hi, apologies for the inconvenience. For security reasons BHIM requires that your registered mobile no. is present in the same device as that with the BHIM app. Warm Regards, Team BHIM.

Anshul Agarwal September 6, 2017

I was logged out. And now i am trying to login but it shows failed to login. Everytime they send message for login my balance is also deducted. At least if you are promoting for cashless economy then even these small deductions of messages should also be removed because it motivates for cash transactions as there are no extra deductions.

Hi, BHIM app does not charge the user any amount for either SMS verification or for any transactions made on BHIM. However the telecom company may levy charges on the SMS sent for verification of your mobile number. Warm Regards, Team BHIM.

Suman Adhikary September 19, 2017

I had been using BHIM for the last 1 months without any problems but suddenly for the last 2 days I have been facing problems in logging in to the app. Every time I enter pass code it asks to verify sim. And every time after successful sim verification it shows "mobile verified successfully " and prompts me to again enter pass code. And when I again enter app pass code it again prompts me to verify mobile sim .....and this process keep happening cyclically. I am at a fix.

After new version app is functioning more smoothly and new functions are added. Money transfer are nicely validated and secure. Wonderfully job. But would like to add kindly add search option in ADD BANK beneficiary option this will save time in scrolling down. And also add feedback option in settings. Next time I will definitely rate 5 if all is done. Try also to make this app function in Hindi language as in our country many people still don't know English. Will be happy in referring those people to use this app and it's advantage...

Hi, we are delighted to read your feedback on the BHIM App. We've taken your suggestions for the app into account already. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful. BHIM supports many regional languages. You can change the language by tapping the 3-dots in the "Home" section of the app.

Rohit Kumar September 19, 2017

It's a good initiative by modi govt. It's very easy to understand the functionality of this app but issue that I face is transaction are not happening at the first go itself. I have tried sending money but it took me three attempts to send the money. If this issue is fixed then it's going to give a tough competition to the UPI apps to individual banks.

It is the best UPI app hands down. But here come the main problem. Acceptance, I have it installed from quite some time now but I have got no instance to use it as no merchant accept. It is lying dead in my phone's memory. I urge you to make it popular so that shops start accepting it.

Hi, we are delighted to read your feedback on the BHIM App. We've taken your suggestions for the app into account already. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful, do recommend the app! Warm Regards, Team BHIM.

goldy kushwah September 6, 2017

Horrible experience with the app,money will get deducted in failed transactions and then it will take years for a refund even after all this the customer service is pathetic,nobody will listen to you only a busy tone will come on the helpline numbers. No mail reply nothing. Can't rely on this app at crucial times. My balance has deducted twice and still there is no refund.

Hi, we are sorry to hear that you've had an unfavorable experience with the app.
Please send us the following transaction details:
Name
Issue faced
Date & Time of the transaction
RRN NO.
Payer bank
Payee bank
Registered mobile number
Amount
at https://bit.ly/contactBHIM so that we can help you.
Warm Regards, Team BHIM.

KAVITA GOGOI September 13, 2017

Bhim is very fast and very easy to use. I have recommended BHIM to my friends too. I gave four stars because I didn't get any reply from BHIM as I have mailed thrice to bhim n yet I didn't get any reply from it. I have a problem regarding my transaction. I tried calling customer care too but it always says busy. Whom should I contact?? Please help me.

Hi, we are sorry to hear that you've had an unfavorable experience with the app.
Please send us the following transaction details:
Name
Issue faced
Date & Time of the transaction
RRN NO.
Payer bank
Payee bank
Registered mobile number
Amount
at https://bit.ly/contactBHIM so that we can help you.
Warm Regards, Team BHIM.

Siddharth Malik September 20, 2017

This app should also allow India Post customers to use UPI services. India Post customers now provided with debit card and moreover many post offices are now equipped with CBS banking system. There is a large number of post office account holders in India. With post accounts equipped with debit card and mobile number, UPI facility should necessarily be introduced for India Post banking customers. Thanks

This was good but not now lost confidence. So moving rating to 2 stars from 5. It always load and load and load but does not transfer easily. Good to have lot of customers using the application but you guys have to concentrate on the performance of your servers. Thanks and hope good performance of application because, we are playing with money not games.

Hi, apologies for the inconvenience. Thank you for sharing your feedback. As we are constantly trying to improve the app, we would love to understand any specific issues you faced, so that we can address them and resolve your grievance. Please feel free to share your feedback at https://bit.ly/contactBHIM. Warm Regards, Team BHIM.

Saumya Kanta Swain September 10, 2017

Addition of initiating scan to pay without unlocking is really handy. same may be enabled for transactions through deep links because both are essentially the same. In initial releases, the app used to add @upi when no PSP was specified, that feature may be considered for bringing back. Only requirement, which obviously is beyond the control of the developers, is acceptance at public service organisations (banks, rail, post, hospitals etc).

Hi, we are delighted to read your detailed feedback on the BHIM App. We're glad you liked the features you mentioned, and we've taken your suggestions for the app into account already. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful, do recommend the app! Warm Regards, Team BHIM.

Abhijith Simhan August 30, 2017

The success rate of money transfer is horrible. Most of my transaction fail and cannot be used as a tool for money transfer during critical times. Also, the money gets debited from the account for a failed transaction and never gets refunded in time. No proper customer helpline. Please stop holding hard earned money hostage in your NPCI account.

Hi, we are sorry to hear that you've had an unfavorable experience with the app.
Please send us the following transaction details:
Name
Issue faced
Date & Time of the transaction
RRN NO.
Payer bank
Payee bank
Registered mobile number
Amount
at https://bit.ly/contactBHIM so that we can help you.
Warm Regards, Team BHIM.

abhay nair September 9, 2017

The irresponsible customer support team, i m trying to contact them from last two days, sent mails but no reply from the application teams... how they r making fool to der customers, please dont download these types of app

Hi, apologies for the inconvenience. Thank you for sharing your feedback. As we are constantly trying to improve the app, we would love to understand any specific issues you faced, so that we can address them and resolve your grievance. Please feel free to share your feedback at https://bit.ly/contactBHIM. Warm Regards, Team BHIM.

Olivia Chakma September 9, 2017

wrost app ever I seen.. trying already 14 time to register to bank account and cut my phone balance all time in SMS. But failed to registered. I think this is some kind of bug problem. Please don't use this until developer fix this issue. It is unsafe to transaction money.

Hi, apologies for the inconvenience. Please ensure that your registered mobile no. is present in the same device as that with the BHIM app. If the issue persists kindly share the following details: Phone brand & model no., OS version & the name of your network service provider at https://bit.ly/contactBHIM so that we can resolve your grievances

vamshi krishna September 23, 2017

I love this app. I use only this app now for all transactions. But there is no provision for bill payments for which I am forced to use other apps. Please make provisions for bill payments (recharge, electricity etc) This would let users not to download other apps which serves other purposes as well apart from just money transfer.

Hi, apologies for the inconvenience. Thank you for sharing your feedback. As we are constantly trying to improve the app, we would love to understand any specific issues you faced, so that we can address them and resolve your grievance. Please feel free to share your feedback at https://bit.ly/contactBHIM. Warm Regards, Team BHIM.

Naushad Saifi September 16, 2017

This is very useful app. Everyone must to install it. I like this. But one thing, I got a message to install it for getting a reward for 25000 rupees today. That's I hate lie. Because I have already installed 20 days ago. But still haven't got any amount like this. So this is very bad and fake news from the government. Jandhan yojna account is still empty.

Hi, BHIM Doesn't sponsor any such rewards of this sort and advise you to be aware of fraud messages. However, you can earn credits using our refer and earn scheme. You can get more detials on it in our website https://www.bhimupi.org.in . Warm Regards, Team BHIM.

Neelaksh Thakur September 19, 2017

Great application. But need to work with the interface and Responsive efficiency. Sometimes it's take too long to respond the command. I know there might be sometime issue's with internet service or the bank backend. But this is the major concern that we can have a access to this application without internet service. Because there are some places where internet speed is not up to the mark and if we might suggest someone to use this application they might find difficult sometimes.*99# option is also suggested but there are some concerns in to look forward and try to work on the user friendlyness of these medium.

Implement features like Mobile and DTH recharge, bill payment facility so that we don't need other wallets to do these job. It should be the one stop solution for all these basic things thing like transferring money to a person or to recharge and bill payments.

Hi, We are working to improve the convenience and features of the BHIM app. We shall notify as soon as this is available. Warm Regards, Team BHIM

abhishek mishra September 8, 2017

There is a problem of whom to contact in case of failed or pending transactions. The raise a complaint section takes to to transaction history and then forgets why we were there for. The user interface need lots of working on.. individual bank upis offer more options.

Hi, we are sorry to hear that you've had an unfavorable experience with the app.
Please send us the following transaction details:
Name
Issue faced
Date & Time of the transaction
RRN NO.
Payer bank
Payee bank
Registered mobile number
Amount
at https://bit.ly/contactBHIM so that we can help you.
Warm Regards, Team BHIM.

Akas Antony September 7, 2017

Horrible experience with this app. Tried paying for Uber using this app and the amount was debited from my account. But Uber never received the amount. Even BHIM app shows "pending transaction." Going by the reviews it looks like I'm not the only one facing this issue. If you can't guarantee a basic security feature for a banking app how do expect it to become successful.

Hi, we are sorry to hear that you've had an unfavorable experience with the app.
Please send us the following transaction details:
Name
Issue faced
Date & Time of the transaction
RRN NO.
Payer bank
Payee bank
Registered mobile number
Amount
at https://bit.ly/contactBHIM so that we can help you.
Warm Regards, Team BHIM.

mehul parmar September 12, 2017

This app not properly synchronize with server every time. I lost my 30Rs in registration process , it's charge every time 1.50 RS for sms. This app is making for money by our government . They are thefts us by making charge for SMS. One day our government make us {(No cash man....)} Like past British government... I request your team please remove SMS charge from application.. This app is not made for poor man like us...

Hi, apologies for the inconvenience. Please ensure that your registered mobile no. is present in the same device as that with the BHIM app. If the issue persists kindly share the following details: Phone brand & model no., OS version & the name of your network service provider at https://bit.ly/contactBHIM so that we can resolve your grievances

Ashish Garg September 15, 2017

Dear sir, I having problem during any thing like upi pin setting or sending money. Even I can't check my balance on bhim app. When I go further for anything, the app automatically re open and ask me to enter passcode. What should I do.??

If u send money to wrong person by mistake by using BHIM app then nobody provide u help.. and the same time u do wrong Payment via bank internet banking . Than bank will provide u help... So don't use this aap they can tolerate human error.. and BHIM customer care service is very bad ....

Hi, apologies for the inconvenience. Thank you for sharing your feedback. As we are constantly trying to improve the app, we would love to understand any specific issues you faced, so that we can address them and resolve your grievance. Please feel free to share your feedback at https://bit.ly/contactBHIM. Warm Regards, Team BHIM.

Satyendra Singh September 19, 2017

Everything but I think ATM card linking is embarrassing it should be freed what the govt. has said, payment facility should be extended like loan payment LIC payment electric bill payment etc. I personally feel proud to go cashless, I believe in my country and it's law

Best UPI app so far. Minimal UI, all features available, easy to use for the first timers.. nice work devs. Thanks devs for replying, one last thing, please allow customers to do more than two transactions in a single day. Edit: new reports on web said about adding option to pay utility bills and more. Where are the options? Please reply dev.

Hi, the transaction limits are as follows:
Per transaction maximum limit of Rs. 10,000.
Per day maximum transaction limit of Rs. 20,000.
please give more details regarding the issue you are facing or any error message that is displayed on the screen. Warm Regards, Team BHIM.

AJAY KUMAR OJHA September 4, 2017

Very good apps for earning money online and for digital india program. Please join to MB app today. Put my Sponsar id no MB0166523 in the appropriate place for activation to your id in this app. This app recently introduced in india. This app given sign up bonous for 1 atc free. This is a referal programs.

Asked me to update. Doesnt go any further. Doesnt accept password. Then tried to reset password thrice, thinking i may be at fault. Spent 4 rs for 3 sms. 1.5, 1 and again 1.5 for sending sms. In the end says mobile no not verified for upi. Had already registered and used bhim. What a waste....pathetic... Changing 5 star to 1 star....

Hi, apologies for the inconvenience caused. Thank you for sharing your feedback. Kindly install the latest version of the app and try again. Please feel free to reach out to us on https://bit.ly/contactBHIM for any assistance. Warm Regards, Team BHIM.

vikrant kumar September 6, 2017

Worst app. Hangs. Not working nicely on apple and lyf phone. Every time sms charges for registering. First sms never successful. For one person registering cost may compound upto 5 rupee sms charges. Will be better if it's otp based. Since it's npci they feel monopoly and no competition from pvt sector so will not improve. But they should know it's not good to think like that.

Hi, BHIM app does not charge the user any amount for either SMS verification or for any transactions made on BHIM. However the telecom company may levy charges on the SMS sent for verification of your mobile number. Warm Regards, Team BHIM.

kaustubh Chakradeo September 18, 2017

This is an amazing app. I wanted to do an online transfer from my bank, but for some reason it's website wasn't working, then I was introduced to BHIM app, and after setting up the account, the money could be transferred within seconds. This app is a very safe and efficient way to conduct transactions. Message for developers: Can you put in a referral system to encourage more users? Also, can you do something to increase the speed of the working of the app?

I love the simplicity and functionality of the app but I am facing a frustrating problem! Every time I open my app it says I am de-registered and asks to register again by sending an sms! Sometimes even after I do it... My mobile number doesn't get verified! It's frustrating when I try to use the app during an urgency! Kindly help me to resolve this issue

It is very nice and comforts me without going to bank. But the difficulty is most of shopkeepers including almost all brandshops do not facilitate this app. The govt sholud direct all merchant units and all transacting agencies to have "BHIM" app besides other money transfer apps."BHIM" Kindly arrange for this.

Hi, we are delighted to read your feedback on the BHIM App. We've taken your suggestions for the app into account already. We hope you continue to enjoy using BHIM. If you have family and friends who might find BHIM useful, do recommend the app! Warm Regards, Team BHIM.

Alpesh Chotaliya September 23, 2017

I use 2 different account in this app. But here only one transition passbook for both account. When ever I switch over account to other one, that transition passbook are same. So need to improve... Please reply if I am wrong... Thanks

Hi,
It is currently a requirement that the number registered with the bank should be present in the same device as that registered with the BHIM app. Please feel free to reach out to us on upi.developers@npci.org.in for any assistance.
Warm Regards,
Team BHIM.

September 25, 2017

App full of bugs..I am unable to set UPI PIN..Always showing "wrong debit card details"..Please do something to fix this UPI PIN generation problem. Also it would be great if it could support multiple bank accounts.